Blog
How to invest, where to invest and which funds to invest in using EasyEquities
Posted On :23rd,Jul 2022
Catagory :Personal Finance
Simplifying the investment options available on EasyEquities
The investment world is filled with jargon and complex structures. In S.A there are more than a 1000 unit trust funds to choose from. There are many options out there that instil so much fear and anxiety in the average investor that they don't want to educate themselves or don't even know where to start....
Normal Retirement vs Financial Independence
Posted On :12th,Aug 2022
Catagory :Personal Finance
Only 6% of South Africans can retire comfortably, without financial assistance. This has been a topic hounding me for many years. I started Finsesh with a passion to improve this terrible statistic by making people aware of financial independence and teaching the topic....
How fees impact your investment return over a lifetime
Posted On :13th,Aug 2022
Catagory :Personal Finance
A question every investor should ask is what fees am I paying for this investment.
John Bogle, the founder of Vanguard said. "What happens in the fund business is that the magic of compounding returns is overwhelmed by the tyranny of compounding costs. It's a mathematical fact"
This is very true as everyone always talks about the returns, but they are referring to the gross returns....
Helpful criteria when choosing a unit trust investment fund
Posted On :16th,Aug 2022
Catagory :Personal Finance
Don’t know which funds to choose when investing? Don’t stress, you will gain practical information in this blog that you can apply to help you invest for better outcomes.
There are more than 1000 unit-trusts in South Africa, making the task of picking funds just as difficult as picking a stock to outperform the benchmark or finding a needle in a haystack....
How much should I save for my child's education?
Posted On :22nd,Aug 2022
Catagory :Personal Finance
All parents want the best for their children, but due to the lack of planning or knowing how much to save for education costs, where to save for their children’s education costs, it is often unplanned for.
The long-term increase in education costs is 9% where the long-term inflation rate is at 6%....
Renting vs buying…but what about the third option?
Posted On :25th,Aug 2022
Catagory :Personal Finance
Whenever you read in the media about property, the question “should I rent or buy comes up quite often.” I have not read about anyone talking about the third option, which is a hybrid option between the two....
Compounding interest…understanding everyone’s superpower!
Posted On :28th,Aug 2022
Catagory :Understanding...
Compound interest is the most powerful tool in the investing world yet unfortunately only harnessed by a few. As Warren Buffett said:" Compound interest is the eighth wonder of the world"
You don't need to do a lot to benefit from the logic-defying benefits of compounding interest. Warren Buffett didn't become a billionaire until he was 50 years old....
Understanding…My Net Worth
Posted On :2nd,Sep 2022
Catagory :Understanding...
One of the most well-known measures for wealth. Knowing your net worth will provide you with insight into your money behaviors. We will delve into what net worth is, how it's calculated, a guideline for where your net worth should be, and some examples.
What is net worth?
Net worth is the value for you as an entity....
Understanding…the importance of savings rate on your path to financial independence
Posted On :7th,Sep 2022
Catagory :Understanding...
One small ratio, with an enormous impact on your time to financial independence. Your savings rate gives you an estimation of the time it will take you to reach financial independence, based on your current circumstances, so no matter your age you can still reach financial independence....
Understanding...the difference between assets and liabilities
Posted On :15th,Sep 2022
Catagory :Understanding...
Such an easy topic, yet it's the foundation for becoming wealthy. Ever wondered why the rich get richer and the poor, poorer? The rich truly understand the difference between assets and liabilities....
Understanding...good debt vs bad debt.
Posted On :19th,Sep 2022
Catagory :Understanding...
Understanding how the economy works will give you a better perspective of why debt is such a menace in society. As companies want to continue selling their products, they are willing to sell on credit. This means you and I borrow money to buy their products, increasing the company's bottom line. Retailers do this, banks, car manufacturers, etc, to an extent that it has become the norm....
The best strategy to repay debt
Posted On :24th,Sep 2022
Catagory :Personal Finance
Debt can be soul-crushing, leaving you with a helpless feeling and not sure how you are ever going to repay this mountain of debt causing you to suffocate on anxiety. First, take a breath, there is a solution. Learning that there is a way out of debt and understanding debt will help you on your path to crushing your debt....
Understanding...Tax-Free Savings Accounts
Posted On :6th,Oct 2022
Catagory :Understanding...
Imagine paying no taxes on an investment and your money can be accessed when you need it. If this is something you are interested in, continue reading. This ideal investment scenario is available to South Africans but there is one caveat, you can only invest a certain limit into this structure per year....
Out of the box education plan: How about a 2842% return and a head start for your child?
Posted On :11th,Oct 2022
Catagory :Personal Finance
Having a child comes with unexpected expenses, such as medical bills, nappies, and other necessities to care for your child. The last natural thing to think of is to start investing in your child's future. Saving for your child's education often gets neglected in the daily rush of life and always thought of the “I'll cross that bridge when I get there” mentality....
Opportunity costs of money
Posted On :18th,Oct 2022
Catagory :Personal Finance
For the average Joe reading this heading, it might not make any sense at first, but understanding the opportunity costs of money will give you the insight needed that will help you to think before you buy or spend and in turn help you control your finances. Understanding the opportunity cost of money will help you on your path to financial independence....
Understanding Emergency Funds
Posted On :23rd,Oct 2022
Catagory :Understanding...
Emergency funds remind me of the Alanis Morissette song Ironic, where she sings about rain on your wedding day. It's a free ride when you've already paid, it's the free advice that you just didn't take, and who would have thought it figured? Some people call this karma or Murphy's law, but whatever it is, it applies to personal finances too....
Direct vs listed property investing
Posted On :30th,Oct 2022
Catagory :Personal Finance
Having trouble choosing a property investment? When it comes to investing in property there are many choices for investors, and making the choice can be tough for some. This article will try to assist you in finding a solution that fits your investment needs.
A broad split between property investing is direct investing vs listed property investing....
How inflation affects you, is it public enemy no 1?
Posted On :5th,Nov 2022
Catagory :Personal Finance
What is inflation?
Inflation is the price increase in goods and services which links directly to the loss of purchasing power of your currency. To explain the loss of purchasing power, let's use an example of a shopper buying food with 100 of any currency. Next year as inflation increases(prices increase), the same 100 will buy fewer items from that same shop....
What is the interest rate in South Africa
Posted On :12th,Nov 2022
Catagory :Personal Finance
What is the interest rate in South Africa
For the average person the question: “what is the interest rate in South Africa” is far more complex than for people working in the finance industry. Today we will be studying this question to ensure we all understand it and how changes in interest rates affect us....
What is a unit trust?
Posted On :17th,Nov 2022
Catagory :Understanding...
What is a unit trust?
Collective investment schemes (CIS) sounds very exclusive, but to the contrary, they are very inclusive. The first unit trust was launched on the 14th of June 1965 by Sage with a starting value of R600 000. Today, there are over 1700 unit trust funds to choose from with a total size exceeding R3,1 trillion by the end of 2021....
Fund fact sheet: Your menu for unit trust investing
Posted On :24th,Nov 2022
Catagory :Understanding...
Fund fact sheet: Your menu for unit trust investing
The unit trust world is big, currently, there are 1700 unit trust funds available in South Africa alone. As an investor in the unit trust world, we need all the help possible to analyse and understand each fund before we invest in them....
Investing strategy: Core and explore investment approach
Posted On :2nd,Dec 2022
Catagory :Personal Finance
Investing strategy: Core and explore investment approach
I first heard of the term core and explore in one of Tony Robbins' money books, and it stuck. The term is based on the original investment strategy called the core-satellite approach, but for the reason that it sounds better, we will use core and explore as the principles are the same....
Property Investing in South Africa: Section 13 sex
Posted On :10th,Dec 2022
Catagory :Personal Finance
Property Investing in South Africa: Section 13 sex
Property investing in South Africa has long been a darling of investors. From discussions with friends or your hairdresser, everyone has an opinion about property. This article will not only provide details on one of SARS' best-kept secrets but will make for a good story around your next braai....
A starting guide for your financial independence journey
Posted On :15th,Dec 2022
Catagory :For the love of FI
...
The purchasing power of your income
Posted On :21st,Dec 2022
Catagory :Understanding...
The purchasing power of your income
The sizing gauge for your property empire, at least at the start. Most people are not aware of their purchasing power, and it could be your superpower to build your property portfolio. Ensuring you nurture and grow your purchasing power initially, will lead to great property riches....
Sensible property investing for beginners
Posted On :7th,Jan 2023
Catagory :Personal Finance
Sensible property investing for beginners
Investing in your first property is a rush. A rush of emotions, the excitement is only curbed by fear. Fear for so many things that could go wrong. But what if they go right?
Park your fears aside, as this article will assist you in knowing the numbers before you take the plunge!
Everyone has an opinion about property investing....
Understanding Retirement Annuity Funds
Posted On :13th,Jan 2023
Catagory :Understanding...
Understanding Retirement Annuity Funds
Not sure if you should be investing in a retirement annuity? Looking for an extra tax-efficient savings vehicle? Not formally employed? If either of these sound familiar to you, best read on.
You and I will delve into the details of retirement annuities and ensure you understand retirement annuity funds....
Should you still invest in retirement annuities?
Posted On :20th,Jan 2023
Catagory :Personal Finance
Should you still invest in retirement annuities?
A hot topic in personal finance, not scrutinized enough. We will delve into this contentious topic, explore alternatives to invest your hard-earned money, to make informed decisions....
Become your own bank by using your home loan and access bond
Posted On :27th,Jan 2023
Catagory :Personal Finance
Become your own bank by using your home loan and access bond
Most people with a home loan don't know how it works. If you don't understand how your bond repayments work, then you won't know how to take advantage of your bond. Better yet, you can even become your own bank by using your home loan....
Diversification vs diworsification: Balancing concentration when investing
Posted On :3rd,Feb 2023
Catagory :Personal Finance
Diversification vs diworsification: Balancing concentration when investing
In school we are all told to focus on one thing that makes money, go study and specialize in some area as the world seems to reward specialization. Yet when it comes to investing, we often get told to invest in a broad well-diversified portfolio....
Saving vs investing: How hard is your money working for you?
Posted On :10th,Feb 2023
Catagory :Personal Finance
Saving vs investing: How hard is your money working for you?
As kids, we are told to save, save in our bank account or save in our piggy bank. In reality, I did not know that we should have been investing, instead of just saving. Many think these two are the same, but one will keep you in a loop of saving and stagnation while the other can provide you with financial freedom....
Living annuity vs life annuity: Understanding your retirement income options
Posted On :18th,Feb 2023
Catagory :Understanding...
Living annuity vs life annuity: Understanding your retirement income options
Hey there, retiree. Congratulations on hitting the golden years of your life. You've saved up a bucket load, now let's discuss your income options.
As complex as money jargon can be, it gets even worse at retirement....
Secure Your Savings with RSA Retail Savings Bonds: Guaranteed Returns with Low Risk
Posted On :23rd,Feb 2023
Catagory :Understanding...
Secure Your Savings with RSA Retail Savings Bonds: Guaranteed Returns with Low Risk
Bonds is an asset class generally avoided by the retail market. Many variables determine its price and you need to be aware of these as an investor....
Unlocking the secret of income funds: Get more bang for your short-term savings
Posted On :4th,Mar 2023
Catagory :Personal Finance
Unlocking the secret of income funds: Get more bang for your short-term savings
The option for most people when it comes to short-term saving goals is just to use their bank account. For those a bit savvier, they will maybe use a money market fund. The real secret for short-term savings is multi-asset income funds or just income funds....
Escape the rat race. Find your Freedom. Calculating your Financial Independence number and adjust for multiple sources of income.
Posted On :10th,Mar 2023
Catagory :Personal Finance
Do you ever feel trapped in a never-ending cycle of commitments, expenses, and work? Do you feel smothered by the prospect of living out the rest of your days in the "rat race"? If so, you are not by yourself. Many people long for independence to live their lives as they choose, yet many feel bound by the limitations of their wealth. There is, however, a way out....
What's your timeline to achieve financial freedom and reach your dreams?
Posted On :17th,Mar 2023
Catagory :For the love of FI
Last week we focused on how to calculate our financial independence number and escape from the “rat race.” Now that we know the amount we need to fund our dream lifestyle, we will shift our focus in this article to how long it will take to reach this dream amount....
Regulation 28 and your retirement investment options
Posted On :27th,Mar 2023
Catagory :Personal Finance
Regulation 28 and your retirement investment options
Providing for our golden years is a concern for most people. How you provide for normal retirement depends on the individual, but if you choose to invest via the retirement fund sector in South Africa you will have to comply with Regulation 28....
Life insurance as an investment. Can it make sense?
Posted On :1st,Apr 2023
Catagory :Personal Finance
Life insurance as an investment. Can it make sense?
I have to start by saying I don't think that taking out life insurance on someone else's life should be a strategy for your retirement or financial independence plan. But as life happens, sometimes children take over their parents' life insurance coverage as a way for the kids to inherit from their parents....
Investment selector: Revolutionise your investing with our intelligent investment tool
Posted On :8th,Apr 2023
Catagory :Personal Finance
Investment selector: Revolutionise your investing with our intelligent investment tool
So you came into some money and want to invest for the long term or just park the money for one year. You look at the investment options available in the unit trust universe and you see over 1500 funds to choose from! Just like picking a stock, it's just as difficult to pick the next winning fund manager....
Unit trusts vs Shares vs ETF: Which one is right for you?
Posted On :15th,Apr 2023
Catagory :Personal Finance
Unit trusts vs Shares vs ETF: Which one is right for you?
Investing can be scary at first, but continuing to learn reduces your fear over time. Today is one of those days. Investing your money is a great way to build wealth and secure your financial future. However, with so many investment options available, it can be challenging to decide which is the best for you....
Transform Your 9-5 Job into a Life of Freedom Through Discipline
Posted On :22nd,Apr 2023
Catagory :Personal Finance
Transform Your 9-5 Job into a Life of Freedom Through Discipline
For most people, a 9-5 is just part of everyday life. You get up, dress up, go to work, go home, and repeat this cycle for 40 years. For most people, their 9-5 will be the first asset they possess to convert active income into passive income....
Identify Lucrative Property Investment Opportunities and Ensure Your Freedom
Posted On :29th,Apr 2023
Catagory :Personal Finance
Identify Lucrative Property Investment Opportunities and Ensure Your Freedom
Investing in real estate is one of the most effective ways to build wealth and establish a lucrative property empire. However, identifying the right investment opportunities in the real estate market can be a challenging task....
We're Breaking Free! Achieving financial independence, traveling the world, and working on passion projects.
Posted On :5th,May 2023
Catagory :FI Travel Blog
...
How Many Properties Do You Need for Financial Independence? Discover the Power of Property Investing for a Life of Freedom
Posted On :12th,May 2023
Catagory :Personal Finance
How Many Properties Do You Need for Financial Independence? Discover the Power of Property Investing for a Life of Freedom
Financial independence is a dream for many of us. It means that we are no longer bound by the constraints of traditional employment and can live life on our terms. One path to achieving financial independence is through property investing....
The Double-Edged Sword of Debt: How It Can Fuel Growth or Destroy Economies
Posted On :19th,May 2023
Catagory :Personal Finance
Debt is a fundamental tool that allows economies to expand and grow. It provides the financing needed to make critical investments in infrastructure, business expansion, and innovation. However, if not managed correctly, it can lead to dangerous levels of debt that can harm economies. This is the dilemma that many economies face, particularly in the developing world....
The quest for contentment: How much is enough?
Posted On :27th,May 2023
Catagory :Personal Finance
Enough. How much is enough?
Amid the relentless pace of modern life, a question emerges: how much is enough? The nature of this pursuit, be it material wealth, possessions, or personal accomplishments, captivates our minds....
The Power of Leverage: Building Wealth through Strategic Property Investing
Posted On :2nd,Jun 2023
Catagory :Personal Finance
Leverage. Leverage can be your pathway to wealth.
When it comes to building wealth, one of the most effective tools at an investor's disposal is leverage, but it can also become a massive burden if not controlled. While leverage can be applied to various asset classes, property investing is the best example of how this financial technique can accelerate wealth accumulation....
Harnessing the Power of Time: The Basics of The Time Value of Money
Posted On :9th,Jun 2023
Catagory :Personal Finance
Tick, tock, tick, tock! Time flies when you're having fun, but did you know that time can also make your money grow? That's right! Welcome to the exciting world of the time value of money, where we'll explore how time, risk, inflation, and opportunity costs play a role in shaping our financial future. So, grab a coffee and let's explore the basics of the time value of money....
Basics of Investing: Aligning Your Risk with Your Investment Goals
Posted On :17th,Jun 2023
Catagory :Personal Finance
On a good day, investing can be tricky, but with the information from this article, you will be ahead of the curve. Investing is a powerful tool for growing wealth, achieving financial goals, and securing a prosperous future. However, successful investing requires careful consideration of risk....
Embrace your Fear, reach Freedom: Why you Need Equities in Your Portfolio
Posted On :24th,Jun 2023
Catagory :Personal Finance
Embrace your Fear, reach Freedom: Why you Need Equities in Your Portfolio
In the world of investing, building a diversified portfolio is crucial for long-term financial success. While there are various investment options available, equities, also known as stocks, stand out as a powerful asset class that has the potential to propel your portfolio to new heights....
Understanding Investment Fees: Evaluating Their Impact on Your Investment Portfolio
Posted On :30th,Jun 2023
Catagory :Personal Finance
Understanding the impact of fees on your investment portfolio is crucial for every investor seeking to optimise their returns. While fees are a necessary aspect of investing, it is essential to grasp their significance in average returns and how they can affect your overall investment performance....
Crunching the Numbers: How Long Until You're a Millionaire?
Posted On :6th,Jul 2023
Catagory :Personal Finance
Becoming a millionaire is a dream many people aspire to achieve. The idea of financial independence, security, and the freedom to live life on your terms is undeniably enticing....
Unmasking Society's Deceptive Financial Lies: Exposing the Pitfalls That Keep You Stumbling
Posted On :13th,Jul 2023
Catagory :Personal Finance
In today's fast-paced world, society bombards us with messages that shape our financial decisions. However, behind these enticing promises lie deceptive financial lies that can lead us down a treacherous path of financial instability....
Unlocking Your Potential: Carving Out Time for Personal Growth and Financial Independence
Posted On :20th,Jul 2023
Catagory :Personal Finance
Do you ever find yourself caught up in the whirlwind of daily life, constantly juggling responsibilities and feeling like there's never enough time for yourself? Trust me; you're not alone. Many of us get so tangled in the web of daily tasks and obligations that we forget to invest in our personal growth – mentally, physically, and financially....
The Wealthy vs. The Poor: Unveiling the Habits of The Wealthy vs The Poor
Posted On :30th,Jul 2023
Catagory :Personal Finance
In wealth creation and management, the lifestyles of the wealthiest people often seem distant and unattainable to the poor. However, upon closer examination, it becomes clear that the path to financial prosperity is not about doing the same things better; it's about doing things differently....
The Allure of Stock Market Investing and How Financial Fitness Improves Your Success
Posted On :11th,Aug 2023
Catagory :Personal Finance
The stock market has always been irresistible to investors of all experience levels. Opportunities for large profits and the excitement of seeing one's investments expand can be very addictive. Despite its attractiveness, investing in the stock market is not a game or a source of entertainment; instead, it is a serious financial commitment that calls for careful planning....
The Diminishing Returns of Wealth: Chasing the Elusive More
Posted On :18th,Aug 2023
Catagory :Personal Finance
Becoming wealthier can sometimes feel like a never-ending journey in a consumerist world where having material things has come to stand for success and happiness. This insatiable desire for newer, better, and more expensive material things has led to the "keeping up with the Joneses" phenomenon, a race to outdo each other regarding material goods and way of life....
Courses
Financial Independence (FI) 101
Price: Free
8 Finsesh
Take control of your finances! Ensure your financial independence (FI)
Co...
View course
Stages to Financial Independence (FI) Course
Price: R 399.00
8 Finsesh
Stages to Financial Independence Course
Take control of your finances in 7 week...
View course
Tools
Millionaire Calculator: How Long Until You're a Millionaire?
Ever wondered How Long Until You're a Millionaire? Find out with this tool
Free
Property FI tool: Property Investing for a Life of Freedom
Are you tired of living paycheck to paycheck? Our tool can help you calculate the number of properties you need to achieve financial freedom and break free from the cycle of living paycheck to paycheck....
Free
Buy-to-Let Property Calculator: Get Rich with Real Estate
Just the tool you need to Build your buy-to-let Property empire.
R 100
Power of 9-5
Calculate how much all your future earnings will be worth in today's value. The tool illustrates the wealth power of your 9-5.
Free
Investment Selector: Revolutionise your investing with our intelligent investment tool
Investment selector: Revolutionise your investing with our intelligent investment tool
R 100
Life Cover as an Investment
Calculate your ROI and breakeven point for a life insurance policy as an investment
Free
Buy-to-Flip Property Calculator: The Secret to Successful Property Flipping
Boost Your Profitability: Identify Buy-to-Flip Opportunities with This Tool
R 100
Loan and amortization calculator
Ever wondered how much interest you're paying to the bank and how it reduces over time? This calculator is for you.
Free
Retirement Annuity vs Alternative
Ever wondered how other investments compared vs the returns of your Retirement Annuity? This interactive tools allows you to do just that.
Free
F.I.R.E Graph
Everyone's situation is unique. Find out how long it will take you to reach financial independence given your scenario.
Free
Income Drawdown
Nervous about low growth while drawing down on your investment capital? Not sure how long your capital will last when you start drawing down? This tool will ease your worries.
Free
Education Calculator
You want to give your children the best possible future! Education is expensive and you might be unsure how much you need to save. Find out to give your children a head start.
Free
Savings Rate
Not sure how your savings rate or monthly expenses affects your time to financial independence? Use the tool to find out how long it will take to reach your dream.
Free
Fees
Don't know how much fees impart your investment? Behind behaviour, fees are the biggest destructor of wealth. Use the tool to see the impact of fees on your investment.
Free
Compounding Interest
Don't understand the power of compounding interest? This tool proves the 8th wonder of the world and shows that you can save less and earn much more, just by starting your investment journey as soon as possible....
Free
Net Worth
You want to know how much you're worth? Where should your net worth be given your age and income level? You will find out real soon!
Free
Emergency Fund
Unexpected expenses keeping you awake at night? Don't have an emergency fund? Don't know how long it will take to save up or how much you need to save? We’ve got your back and soon you will have a safety net with restful nights!...
Free
My Budget
No idea of where your money is going each month? Don't know how much you are saving or repaying on debt? Things are about to change for you!
Free
Debt Repayment Organiser
Not sure what's the best way to crush your debt? This tool will solve that problem by doing the calculations for you.
Free
FI Number
Want to achieve financial Independence, but don't know where to start? Don't stress, we got you covered.
Free
Why Choose Us
Ensure your financial independence by making time for your finances, gaining knowledge while being supported with tools, mentoring and a community forum—Onward to financial independence
Doing it Ourselves
By practising the knowledge we teach and using multiple income streams towards our FI dreams by mid 30, we will guide and show you the way.
Fun and Accessible
Learning in a fun and interactive environment makes us feel comfortable asking and sharing, speeding up the learning process.
Passion for Finance
The creator has a keen passion for finance, financial independence and teaching. Combining these three passions formed Finsesh.
Easy to Understand
The courses we provide are easy to understand to avoid confusion and take away only the knowledge you require.
Forum
General - Community Forum
1 Years ago from Finsesh
Education Costs
1 Years ago from Finsesh
Property Investing - Community Forum
1 Years ago from Finsesh